Category: Commercial Insurance

Product liability insurance is an essential form of protection for businesses who produce, distribute or sell goods and products. Regardless of how careful you are when producing or selling items, accidents happen. If an accident does happen to occur and it involves injury, damage or defects relating to your product, you could be held liable. …

There are many benefits that come with running your business from home. This includes convenience, flexibility as well as comfort. With all this being said, many home-based business owners don’t consider the risks associated with running an organization from their house. This poses the question — “Do I actually need insurance for my home-based business?”…

Imagine putting in years of hard work, money, and passion to establish your business, only to have it all come crashing down due to an unforeseen event. It could be as minor as a lawsuit from a dissatisfied customer or as severe as a fire that destroys your office. These unexpected incidents can not only…

Disasters are unpredictable, and without the proper coverage, they can cause devastating financial losses for your company. That's why business hazard insurance is critical for safeguarding against a wide range of potential hazards. From fires to vandalism and everything in between, hazard insurance ensures that your company is financially equipped to deal with damages and…

Here is a list of all the necessary insurance types for your new business with explanations and requirements.

As a small business owner, you care about your employees' success, as well as their wellbeing and their safety in the workplace. With that said, even the most conscientious employers have to face the fact that mishaps can and will occur even in the safest of workplaces. Accidents are inevitable in any workplace. So, it's…

You’re not starting any ordinary small business. You’re building a startup. Your goal is to grow and, in order to do this, you not only need a solid business plan, but also protection for everything that you’re building. Startups are inherently risky, so it is extremely important that you get the right commercial insurance coverage. …

It’s time to settle something once and for all. Are all types of liability insurance created equally? The quickest answer is, of course, no. General liability covers the physical damage that we often think of when we think of commercial insurance: property damage or a personal injury that happens on your premises. But then we…

If your business is run out of an office, a shop, or any other physical location, then you already have property insurance to protect yourself against the unexpected, right? Fire or theft are very real threats and you would never want to leave your business exposed. But what about the business assets you can’t see:…

Workers’ compensation and disability insurance are similar policies, but workers’ compensation covers both the company and the employee from injuries and illnesses that happen at work. While disability insurance covers an employee for medical problems that happen outside of work. Workers’ compensation insurance and disability both help workers who are sick or hurt and can’t work…

If you’re a business owner who works with contractors or hires others to work for you, you've probably requested a certificate of insurance (COI). Or perhaps businesses you’ve worked with have requested to see yours. This document serves as proof that a business or contractor is insured. It outlines the types and amounts of coverage,…

What does risk management do for small businesses? It can raise insurance rates on the one hand, but the other could increase safety for everyone down the line.

Commercial insurance, also known as business insurance, is essential to protect your company against a variety of risks. However, a question often arises— does commercial insurance cover vehicles? Understanding the various aspects of commercial auto coverage within a business insurance policy can help you avoid costly gaps in coverage. In this blog, we explore the…

Once your business is up and running, you might come to the realization that you can’t do it all, and you’ll need more help. Instead of hiring a full-time employee to handle some projects, you might opt to go for an independent contractor, vendor, or other third party. This is a great  choice for small…

  One of the most important concerns for both workers and businesses is the health and safety of their workforce. Workers' compensation insurance and occupational accident insurance are two important insurance policies. They each come into play when it comes to the protection and safety of the workplace. In spite of the fact that both…

While workers' compensation covers most workplace injuries, there are a few exceptions. The workers’ compensation system is a no-fault system. Meaning, it makes no difference whether the injury was caused by you or your employee’s negligence. In general, all that matters is that your employee’s injury was directly caused by their job. However, there are…

  More and more Americans are leaving their cubicles to work on their own. Well, why not? You decide how to run your business. You decide when to work. Who is on your team is up to you. Those are some great perks. So it's not surprising that there are 15 million self-employed professionals in…

  Your small business can benefit from many different kinds of commercial insurance, including policies like general liability, commercial property, and small group health coverage. One of the most important policies to add to that list is workers’ compensation insurance.    With this type of policy, small business owners can protect their employees and themselves…